Unique solutions adapted to specific needs 
The ‘Diamant Fixed’ or ‘Diamant Variable Secured’ loan is interest only combining two phases; an interest only phase followed by a repayment phase, each flexible in the choice of duration; the maximum duration of the loan should not exceed 30 years.
The client may decide to place his/her personal cash contribution (when required) on a side-investment savings plan thereby benefiting from tax advantages. If the client wishes, at the end of the 1st period of the ‘Diamant Fixed’, the option to pre-pay without penalty all or part of the loan is available by using the sums invested on the savings plan.
This product can be used to manage assets based on market opportunities by choosing to amortise the loan or to capitalise on an investment product.
• Low outgoings each month (interest and insurance premiums)
• Capped variable rate during the interest only period
• Switch to a classic repayment loan at anytime
For loans that are governed by Article L312-1 et seq. of the French Consumer Code (Code de la Consommation), the borrower has a 10-day cooling-off period. In such event, the sale is contingent on the loan being granted; if the loan is refused, the vendor must reimburse the sums paid.
The client may decide to place his/her personal cash contribution (when required) on a side-investment savings plan thereby benefiting from tax advantages. If the client wishes, at the end of the 1st period of the ‘Diamant Fixed’, the option to pre-pay without penalty all or part of the loan is available by using the sums invested on the savings plan.
This product can be used to manage assets based on market opportunities by choosing to amortise the loan or to capitalise on an investment product.
• Low outgoings each month (interest and insurance premiums)
• Capped variable rate during the interest only period
• Switch to a classic repayment loan at anytime
For loans that are governed by Article L312-1 et seq. of the French Consumer Code (Code de la Consommation), the borrower has a 10-day cooling-off period. In such event, the sale is contingent on the loan being granted; if the loan is refused, the vendor must reimburse the sums paid.
